Earthquake Insurance for Homeowners Who Know the Ground Can Shift.
Standard homeowners insurance typically does not cover earthquake damage — not the structure, not your belongings, not your living expenses while your home is being repaired. Earthquake insurance is a separate policy generally designed to fill that gap. Saint Moore Insurance Agency helps homeowners find earthquake home coverage that fits their property and their budget.
What Is Earthquake Insurance?
Earthquake insurance is a standalone policy — or an endorsement to an existing policy — that helps cover damage to your home and personal property caused by seismic activity. Because standard homeowners insurance (HO-3 and HO-5 policies) typically excludes earthquake damage, homeowners in earthquake-prone regions often need a separate earthquake insurance policy to be protected against this specific risk.
Earthquake insurance is generally designed to help cover the cost of repairing or rebuilding your home's structure after seismic damage, replacing personal property that is damaged or destroyed, and covering additional living expenses if your home becomes uninhabitable while repairs are made. Most policies also include a deductible — typically expressed as a percentage of the insured value of your home rather than a flat dollar amount, which is an important distinction to understand before selecting coverage.
In California, one of the most common options is a policy through the California Earthquake Authority (CEA), a publicly managed not-for-profit that provides residential earthquake insurance. Private earthquake insurance options are also available and may offer different coverage structures, limits, and deductibles. Whether a CEA earthquake policy or a private seismic coverage option is the right fit depends on your home, your location, and your financial situation. Contact a Saint Moore Insurance Agency agent to explore your earthquake damage protection options.
